I can understand your situation and this is something that I have blogged about too.
"I was taught that if we should lend someone money, we must do it with the mindset of a donor."
Of course, there are always reasons which I find more acceptable and in those instances, I am prepared to part with some money. Yes, the operative word here is "part".
"Imagine that the money has vaporised and gone to a better place. If it should come back one day, well, go celebrate!"
Sometimes, for legitimate reasons, people need a helping hand and if they are people who matter to me, I will help. :)